Stand With
The flexibility to pay your way.
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Buy Now Pay Later (BNPL) is a simple, zero to low interest way to split the cost of a purchase into four or fewer installments with clear repayment schedules, no compounding debt, and no hidden fees. Every purchase comes with fixed terms, so consumers know exactly what they owe and when they owe it. It provides an alternate solution for managing expenses and cash flow, and purchasers can also choose a repayment schedule that works for them.
BNPL is designed to support responsible spending, with consumer protection built in from the start. Miss a payment, and access is paused, stopping balances from growing and keeping users in control. The average BNPL loan lasts 40 days, which is far shorter than most traditional credit products, helping consumers avoid long-term debt.
Repayment rates are high: the average purchase is just $135, 98% of loans are paid, and 96% are paid on time, according to Consumer Financial Protection Bureau data. Consumers across income levels, ages, and backgrounds use BNPL for a range of reasons. Some use it as a budgeting tool, while others value its flexibility. Purchases range from everyday essentials to larger planned expenses, reflecting its broad role in how people manage spending.
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Shoppers are moving away from traditional credit toward flexible, transparent payment options that offer more control and less financial stress, reflecting a broader shift toward intentional, well-being-focused spending.
That’s why we are mobilizing to stand with Buy Now Pay Later and preserve the payment flexibility millions of Americans rely on every day.
BNPL is zero to low interest with no compounding debt and no hidden fees.
Every purchase comes with a simple, predictable repayment schedule.
Miss a payment? Access is paused, preventing debt from piling up.
The average BNPL purchase is just $135. The average loan lasts 40 days, much shorter than most traditional credit products.
As a single mother of three, I can tell you that Buy Now Pay Later was the only way I could get my kids what they needed for school. It was a lifesaver. I value being able to split purchases into smaller payments with low or no interest.
- Dolton Mom
It really helped when I could split up payments into four for home repairs and things I needed for the house. Being able to split the cost made a big difference.
- Chicago Homeowner
I recently needed to pay a vet bill and would have struggled without being able to split it into smaller payments. Things come up, like unexpected vet bills or car repairs, and these options really help. I value having choices in how I pay. Please preserve access to flexible, zero- to low-interest payment options. It makes a real difference for people like me.
- Pet Owner
I had to get unexpected car repairs, and Buy Now Pay Later let me split up the payments. Please preserve access to flexible, interest-free, or low-interest payment options, since they help people like me handle real-life timing issues and avoid expensive debt.
- Driver managing unexpected repairs
I use Buy Now Pay Later because I like to stay in control of my finances and how I pay for things. It's about having clear, fixed payments and staying organized. A lot of us don’t want to put something on a high-interest credit card and still be paying it off months later. I want to know exactly what I owe and when the purchase will be fully paid off.
- Budget Conscious Consumer
Buy Now Pay Later helps small businesses meet customers where they are by offering payment options that reflect how people manage their money today. With clear terms and predictable payments, BNPL makes it easier for customers to make purchases with confidence. BNPL also helps level the playing field. Small businesses can offer the same flexible payment options as larger retailers, allowing them to compete more effectively and reach a broader range of customers across income levels, ages, and backgrounds. As more consumers look for straightforward, manageable ways to pay, BNPL gives small businesses a practical tool to grow, build loyalty, and stay connected to their communities.
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